Valpey Financial Services, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed March 4, 2026), Valpey Financial Services, LLC reported 72 stock positions worth $156.6 million. Its top holding was Vanguard Mrngstr Val ETF-Aui (VTV) at 5.4% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 5.2%) and Schwab US Large-Cap Growth (SCHG, 5.1%). Compared with Q3 2025, it opened 1 new position, sold out of 1, added to 50 and reduced 20. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +134%) and the biggest sale an exit from Apple (AAPL).
- Most Recent 13F
- Q2 2026
- Location
- CONCORD, NH
- CIK
- 0002077991
- Portfolio Value
- $156.6M (Q4 2025)
- SEC Filing
- 0002077991-26-000003 ↗ filed Mar 4, 2026
Holdings Value
Holdings 72 stocks · $156.6M
| VTV Vanguard Mrngstr Val ETF-Aui | 5.36% | 43,924 | $8.4M | Add +0.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 5.22% | 16,744 | $8.2M | Reduce -3.9% |
| SCHG Schwab US Large-Cap Growth | 5.11% | 245,365 | $8.0M | Reduce -2.4% |
| BNDX Vanguard Total Intl Bond ETF | 4.31% | 139,723 | $6.8M | Add +5.9% |
| SCHV Schwab US Large-Cap Value | 3.99% | 211,120 | $6.3M | Add +1.8% |
| VXUS Vanguard Total Intl Stock | 3.86% | 80,100 | $6.0M | Add +1.0% |
| VEU Vanguard Ftse All-World Ex-U | 3.52% | 75,033 | $5.5M | Reduce -1.0% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.52% | 124,004 | $5.5M | Add +0.3% |
| SCHF Schwab Intl Equity ETF | 3.39% | 221,193 | $5.3M | Reduce -1.1% |
| SCHO Schwab Short-Term US Treas | 3.35% | 215,297 | $5.2M | Add +6.7% |
| BND Vanguard Total Bond Market | 3.34% | 70,702 | $5.2M | Add +5.4% |
| BSV Vanguard Short-Term Bond ETF | 3.10% | 61,662 | $4.9M | Add +3.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 2.82% | 15,240 | $4.4M | Add +1.9% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.73% | 20,162 | $4.3M | Add +0.2% |
| SCHM Schwab US Mid Cap ETF | 2.70% | 140,495 | $4.2M | Reduce -1.0% |
| SCHZ Schwab US Aggregate Bond ETF | 2.39% | 160,420 | $3.7M | Add +2.5% |
| SCHA Schwab US Small-Cap ETF | 2.32% | 127,765 | $3.6M | Reduce -2.1% |
| IUSG iShares Core S&P U.S. Growth | 2.25% | 20,991 | $3.5M | Reduce -0.3% |
| VONV Vanguard Russell 1000 Value | 2.21% | 37,471 | $3.5M | Add +0.7% |
| IUSV iShares Core S&P U.S. Value | 1.89% | 28,888 | $3.0M | Reduce -0.9% |
| VTC Vanguard Total Corporate BND | 1.84% | 37,042 | $2.9M | Add +2.7% |
| AGG iShares Core U.S. Aggregate | 1.83% | 28,763 | $2.9M | Add +0.5% |
| BKLN Invesco Senior Loan ETF | 1.58% | 117,926 | $2.5M | Add +5.2% |
| TIP iShares Tips Bond ETF | 1.55% | 22,100 | $2.4M | Add +1.0% |
| IVOO Vanguard S&P Mid-Cap 400 ETF | 1.47% | 20,614 | $2.3M | Add +4.2% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.36% | 37,552 | $2.1M | Add +5.0% |
| VIOO Vanguard S&P Small-Cap 600 E | 1.34% | 18,937 | $2.1M | Add +0.2% |
| EFA iShares MSCI Eafe ETF | 1.34% | 21,781 | $2.1M | Reduce -0.4% |
| SCHP Schwab U.S. Tips ETF | 1.26% | 74,403 | $2.0M | Add +6.5% |
| VONG Vanguard Russell 1000 Growth | 1.11% | 14,268 | $1.7M | Reduce -2.5% |
| IJH iShares Core S&P Midcap ETF | 1.08% | 25,740 | $1.7M | Reduce -1.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.03% | 2,366 | $1.6M | Add +22.3% |
| VWO Vanguard Ftse Emerging Marke | 0.95% | 27,768 | $1.5M | Add +4.9% |
| IJR iShares Core S&P Small-Cap E | 0.90% | 11,691 | $1.4M | Add +1.8% |
| SHY iShares 1-3 Year Treasury Bo | 0.71% | 13,451 | $1.1M | Add +10.8% |
| IAGG iShares Intl Aggregate Bond | 0.70% | 22,008 | $1.1M | Add +9.7% |
| IJS iShares S&P Small-Cap 600 Va | 0.69% | 9,436 | $1.1M | Add +0.3% |
| MSFT Microsoft Corp. | 0.66% | 2,125 | $1.0M | Add +0.8% |
| VEA Vanguard Ftse Developed ETF | 0.63% | 15,747 | $984K | Reduce -0.4% |
| IDEV iShares Core MSCI Dev MKTS | 0.61% | 11,644 | $960K | Add +3.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.61% | 3,700 | $955K | Add +2.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.55% | 2,927 | $867K | Reduce -6.3% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 0.52% | 14,064 | $814K | Add +8.8% |
| VUSB Vanguard Ultra Short Bond Et | 0.52% | 16,218 | $808K | Add +42.7% |
| VGSH Vanguard Short-Term Treasury | 0.47% | 12,669 | $744K | Add +15.2% |
| IVW iShares S&P 500 Growth ETF | 0.45% | 5,779 | $712K | Reduce -2.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.45% | 2,101 | $704K | Add +134.5% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.44% | 6,459 | $689K | Reduce -15.6% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.41% | 13,795 | $642K | Add +1.0% |
| SHV iShares 0-1 Year Treasury Bo | 0.40% | 5,705 | $628K | Reduce -14.1% |
| IVE iShares S&P 500 Value ETF | 0.40% | 2,939 | $623K | Reduce -0.3% |
| SPSM SS SPDR P S&P 600 Small Cap | 0.38% | 12,540 | $588K | Add +18.0% |
| XOM Exxon Mobil Corp. | 0.30% | 3,959 | $476K | Add +0.9% |
| IXUS iShares Core Intl Stock ETF | 0.30% | 5,623 | $476K | Reduce -2.5% |
| ILCG iShares Morningstar Growth E | 0.30% | 4,565 | $475K | Reduce -0.1% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.30% | 10,218 | $473K | Add +7.0% |
| AOK iShares Core 30/70 Conservat | 0.29% | 11,467 | $460K | Add +7.7% |
| AOR iShares Core 60/40 Balanced | 0.28% | 6,745 | $438K | Add +4.0% |
| JPM JPMorgan Chase & Co. | 0.28% | 1,357 | $437K | Add +1.3% |
| VCIT Vanguard Int-Term Corporate | 0.23% | 4,280 | $358K | Add +1.2% |
| IWF iShares Russell 1000 Growth | 0.23% | 754 | $357K | Reduce -3.5% |
| SPLV Invesco S&P 500 Low Volatili | 0.23% | 4,962 | $354K | Add +0.6% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.21% | 10,854 | $334K | Add +7.3% |
| SCHR Schwab Intermediate-Term US | 0.20% | 12,789 | $321K | Add +24.4% |
| GOOGL Alphabet Inc. Class A | 0.20% | 1,017 | $318K | Add +5.2% |
| AOA iShares Core 80/20 Aggressiv | 0.18% | 3,202 | $287K | Add +13.8% |
| BIV Vanguard Intermediate-Term B | 0.15% | 2,965 | $231K | Add +1.4% |
| IVV iShares Core S&P 500 ETF | 0.14% | 320 | $219K | Add +2.2% |
| IEMG iShares Core MSCI Emerging | 0.14% | 3,155 | $212K | Add +1.3% |
| IWD iShares Russell 1000 Value E | 0.14% | 1,007 | $212K | Add +0.1% |
| HON Honeywell International Inc. | 0.13% | 1,070 | $209K | No change |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.13% | 3,788 | $200K | New |
Portfolio Sells Q3 2025 → Q4 2025
| AAPL Apple Inc. | Sold out | 0.00% | −0.59 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -3.9% | 5.22% | −0.25 |
| SCHG Schwab US Large-Cap Growth | Reduce -2.4% | 5.11% | −0.14 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -15.6% | 0.44% | −0.08 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -14.1% | 0.40% | −0.08 |
| SCHA Schwab US Small-Cap ETF | Reduce -2.1% | 2.32% | −0.06 |
| SCHM Schwab US Mid Cap ETF | Reduce -1.0% | 2.70% | −0.06 |
| VONG Vanguard Russell 1000 Growth | Reduce -2.5% | 1.11% | −0.05 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.6% | 1.08% | −0.03 |
| IBM Intl Business Machines Corp. | Reduce -6.3% | 0.55% | −0.02 |
| IUSG iShares Core S&P U.S. Growth | Reduce -0.3% | 2.25% | −0.02 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -1.0% | 3.52% | −0.02 |
| IUSV iShares Core S&P U.S. Value | Reduce -0.9% | 1.89% | −0.02 |
| IVW iShares S&P 500 Growth ETF | Reduce -2.7% | 0.45% | −0.01 |
| SCHF Schwab Intl Equity ETF | Reduce -1.1% | 3.39% | −0.01 |
| IWF iShares Russell 1000 Growth | Reduce -3.5% | 0.23% | −0.01 |
| ILCG iShares Morningstar Growth E | Reduce -0.1% | 0.30% | −0.01 |
| IXUS iShares Core Intl Stock ETF | Reduce -2.5% | 0.30% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -0.3% | 0.40% | −0.00 |
| EFA iShares MSCI Eafe ETF | Reduce -0.4% | 1.34% | −0.00 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.4% | 0.63% | +0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Add +134.5% | 0.45% | +0.26 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +22.3% | 1.03% | +0.19 |
| VUSB Vanguard Ultra Short Bond Et | Add +42.7% | 0.52% | +0.14 |
| IGSB iShares 1-5Y Inv Grade Corp. | New | 0.13% | +0.13 |
| SCHO Schwab Short-Term US Treas | Add +6.7% | 3.35% | +0.13 |
| BND Vanguard Total Bond Market | Add +5.4% | 3.34% | +0.08 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +5.0% | 1.36% | +0.07 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +18.0% | 0.38% | +0.05 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +0.3% | 3.52% | +0.05 |
| SHY iShares 1-3 Year Treasury Bo | Add +10.8% | 0.71% | +0.05 |
| VGSH Vanguard Short-Term Treasury | Add +15.2% | 0.47% | +0.05 |
| GOOGL Alphabet Inc. Class A | Add +5.2% | 0.20% | +0.05 |
| BKLN Invesco Senior Loan ETF | Add +5.2% | 1.58% | +0.05 |
| VXUS Vanguard Total Intl Stock | Add +1.0% | 3.86% | +0.04 |
| IVOO Vanguard S&P Mid-Cap 400 ETF | Add +4.2% | 1.47% | +0.04 |
| BNDX Vanguard Total Intl Bond ETF | Add +5.9% | 4.31% | +0.04 |
| SCHV Schwab US Large-Cap Value | Add +1.8% | 3.99% | +0.04 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +8.8% | 0.52% | +0.04 |
| SCHR Schwab Intermediate-Term US | Add +24.4% | 0.20% | +0.04 |
| VONV Vanguard Russell 1000 Value | Add +0.7% | 2.21% | +0.03 |
| IAGG iShares Intl Aggregate Bond | Add +9.7% | 0.70% | +0.03 |
| SCHP Schwab U.S. Tips ETF | Add +6.5% | 1.26% | +0.03 |
| IDEV iShares Core MSCI Dev MKTS | Add +3.7% | 0.61% | +0.02 |
| AOA iShares Core 80/20 Aggressiv | Add +13.8% | 0.18% | +0.02 |
| VWO Vanguard Ftse Emerging Marke | Add +4.9% | 0.95% | +0.01 |
| XOM Exxon Mobil Corp. | Add +0.9% | 0.30% | +0.01 |
| AOK iShares Core 30/70 Conservat | Add +7.7% | 0.29% | +0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +3.0% | 3.10% | +0.01 |
| GIGB Goldman Sachs Inv GRD Corp. | Add +7.0% | 0.30% | +0.01 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +7.3% | 0.21% | +0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +2.4% | 0.61% | +0.01 |
| AOR iShares Core 60/40 Balanced | Add +4.0% | 0.28% | +0.01 |
| IJS iShares S&P Small-Cap 600 Va | Add +0.3% | 0.69% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Add +1.8% | 0.90% | +0.00 |
| IVV iShares Core S&P 500 ETF | Add +2.2% | 0.14% | +0.00 |
| JPM JPMorgan Chase & Co. | Add +1.3% | 0.28% | +0.00 |
| IWD iShares Russell 1000 Value E | Add +0.1% | 0.14% | +0.00 |
| IEMG iShares Core MSCI Emerging | Add +1.3% | 0.14% | +0.00 |
| BIV Vanguard Intermediate-Term B | Add +1.4% | 0.15% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.1% | 5.36% | −0.00 |
| VCIT Vanguard Int-Term Corporate | Add +1.2% | 0.23% | −0.00 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +1.0% | 0.41% | −0.01 |
| SCHZ Schwab US Aggregate Bond ETF | Add +2.5% | 2.39% | −0.01 |
| SPLV Invesco S&P 500 Low Volatili | Add +0.6% | 0.23% | −0.01 |
| VTC Vanguard Total Corporate BND | Add +2.7% | 1.84% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.2% | 2.73% | −0.02 |
| VIOO Vanguard S&P Small-Cap 600 E | Add +0.2% | 1.34% | −0.02 |
| TIP iShares Tips Bond ETF | Add +1.0% | 1.55% | −0.04 |
| AGG iShares Core U.S. Aggregate | Add +0.5% | 1.83% | −0.04 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1.9% | 2.82% | −0.05 |